M1 Retirement ACCOUNTS
life after work
Automatically invest for retirement with a tax-advantaged brokerage account. Custom-build your portfolio or choose a pre-made Expert Pie based on your long-term goals.
The right time to open your IRA
IRAs (Individual Retirement Accounts) help you save for your future with tax benefits. You can open an account at any time, with potentially added advantages when you invest earlier and compound your earnings.
Choose the account type that’s right for you
Traditional IRAs can be funded with pre-tax earnings for tax-deferred growth on your retirement savings. You need to pay taxes on funds you withdraw from this account. Open a Traditional IRA
Fund your IRA with post-tax funds for tax-free growth of your retirement savings. You won’t pay taxes on funds you withdraw from this account. Open a Roth IRA
SEP (Simplified Employee Pension) IRAs are for those who are self-employed, own a business, employ others, or earn freelance income. You need to pay taxes on funds you withdraw from this account. Open a SEP IRA
Visit our Help Center to learn more about account types.
Put your long-term mindset into practice
Try an Expert Pie
Choose from a wide selection of pre-built portfolios structured around your target retirement date, risk tolerance, or other long-term investing focuses.
Get into the details
Customize your Pie completely: include slices of different Expert Pies, select individual stocks and ETFs, and set the amounts to your liking.
Stick to the plan
Turn on auto-invest and we’ll take care of the rest. Your contributions will be automatically invested in accordance with the proportions of your Pie.
No management fees
There are no hidden costs or fees associated with M1 Brokerage Accounts, including M1 IRAs Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures, and ADR fees. For complete list of fees, visit m1.com/legal/disclosures/misc-fees . For a complete list of fees, see the M1 Fee Schedule.